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Suomen Yrittäjät
Member benefits
Elo Insurance and occupational pension services

The preferred employment pension insurer of self-employed persons in Finland

YEL insurance provides financial security in different life situations. Approximately 40% of self-employed persons have chosen Elo. Together, we ensure a lifetime of security for you.

We make sure that your YEL income level is appropriate. Your YEL income level affects:

  • Pension
  • Vocational rehabilitation
  • Sickness allowance
  • Parental allowance
  • Earnings-related unemployment allowance
  • Basic unemployment allowance
  • Daily allowance under accident insurance

Elo offers statutory pension insurance for self-employed persons (YEL) and employees (TyEL).

YEL insurance constitutes the foundation of social security for self-employed persons. It brings peace of mind to you, the most important resource of your company, and provides financial security for your entire family in different life situations.

We make it easy and effortless for you to handle your TyEL insurance matters so that you can concentrate on your core business activities. We believe in long-term partnership and our constancy discount reduces your contribution once your insurance has been valid in Elo for an uninterrupted period of at least three calendar years.

At Elo, you are always dealing with experts. You can opt to handle your insurance matters conveniently online, by phone or by email.

  • With the help of our YEL calculator, you can easily compare the impact your YEL income will have on the amount of your insurance contributions, pension and social security.
    Try our YEL calculator >
  • Elo’s wage calculator enables you to quickly estimate the overall cost of hiring one or more employees. With only a few clicks, the wage calculator will provide you with an estimate of the TyEL insurance contributions and indirect labour costs.
    Try the wage calculator >

Once you’re signed into the Member Service, please scroll down to find the telephone number of the insurance services.

If you’re not already signed into Member Services, you can do it here.

  • Your work ability and the work ability of your employees is essential for the success of your business. When work ability risks are identified in time, it is possible to be proactive instead of reactive and, in this way, to prevent work ability challenges.
  • Elo’s services facilitate knowledge-based management and help your company to undertake effective measures. We offer survey tools, training, vocational rehabilitation and expert support to companies of all sizes and at all phases of growth.
  • Elo’s vocational rehabilitation supports self-employed persons ensuring their ability to cope and remain in working life. You can apply for vocational rehabilitation if your health diminishes in a way that affects your ability to work. Vocational rehabilitation helps you to continue your business activities despite the risk of disability.
    Learn more about Elo’s work ability services >
As a member of Suomen Yrittäjät you are entitled to many services and benefits!
Become a member